Experience

iMortgage Services
• United States
• Leasing Real Estate
• 1 - 100 Employee
• D.E. Underwriter III

  • Jul 2015 - Present


J.P. Morgan

• United States
• Financial Services
• 700 & Above Employee

• Assistant Vice President - HE/CD Underwriting

  • Aug 2009 - Present

  -Lending Authority $1.25 Million - Jumbo -NMLS# 1281648 -Manage a mortgage underwriting team of up to 25 underwriters -Achieve team production and loan quality goals on every performance review -Analyze loan files completed by staff to verify policy compliance as related to credit history requirements, complex corporate and personal income calculation, complex asset evaluation, title documents, property appraisals, and all applicable compliance documents -Maintain knowledge of… Show more -Lending Authority $1.25 Million - Jumbo -NMLS# 1281648 -Manage a mortgage underwriting team of up to 25 underwriters -Achieve team production and loan quality goals on every performance review -Analyze loan files completed by staff to verify policy compliance as related to credit history requirements, complex corporate and personal income calculation, complex asset evaluation, title documents, property appraisals, and all applicable compliance documents -Maintain knowledge of all Agency and Non-Agency guidelines regarding conventional Jumbo, Purchase, HARP, Cash-out, Non cash-out, and Texas loans Senior Mortgage Underwriter - Promoted -Agency and Non-Agency High Balance lending authority $750,000 -Assisted in training of underwriting staff to meet Agency and Company guidelines -Recognized as a top underwriter in both production volume and quality assurance -Examined overall loan documentation to ensure accuracy, completeness, and fraud prevention by consistently adhering to compliance regulations during the underwriting process -Familiar with Fannie Mae and Freddie Mac Conventional /HARP guidelines, income analysis, LTV/CLTV, debt ratios, credit history requirements, appraisals, title reports, and stability analysis Show less -Lending Authority $1.25 Million - Jumbo -NMLS# 1281648 -Manage a mortgage underwriting team of up to 25 underwriters -Achieve team production and loan quality goals on every performance review -Analyze loan files completed by staff to verify policy compliance as related to credit history requirements, complex corporate and personal income calculation, complex asset evaluation, title documents, property appraisals, and all applicable compliance documents -Maintain knowledge of… Show more -Lending Authority $1.25 Million - Jumbo -NMLS# 1281648 -Manage a mortgage underwriting team of up to 25 underwriters -Achieve team production and loan quality goals on every performance review -Analyze loan files completed by staff to verify policy compliance as related to credit history requirements, complex corporate and personal income calculation, complex asset evaluation, title documents, property appraisals, and all applicable compliance documents -Maintain knowledge of all Agency and Non-Agency guidelines regarding conventional Jumbo, Purchase, HARP, Cash-out, Non cash-out, and Texas loans Senior Mortgage Underwriter - Promoted -Agency and Non-Agency High Balance lending authority $750,000 -Assisted in training of underwriting staff to meet Agency and Company guidelines -Recognized as a top underwriter in both production volume and quality assurance -Examined overall loan documentation to ensure accuracy, completeness, and fraud prevention by consistently adhering to compliance regulations during the underwriting process -Familiar with Fannie Mae and Freddie Mac Conventional /HARP guidelines, income analysis, LTV/CLTV, debt ratios, credit history requirements, appraisals, title reports, and stability analysis Show less



Wells Fargo Home Mortgage

• United States
• Banking

• Senior Mortgage Underwriter

  • Jan 2009 - Aug 2009

  -Underwrote Agency, Non-Agency, and HARP mortgage applications under $417,000 -Recognized as a top underwriter in both production volume and quality assurance -Earned quality assurance percentage of 99% accuracy -Examined overall loan documentation to ensure accuracy, completeness, and fraud prevention by consistently adhering to compliance regulations during the underwriting process -Familiar with Fannie Mae and Freddie Mac guidelines in addition to standard concepts, practices… Show more -Underwrote Agency, Non-Agency, and HARP mortgage applications under $417,000 -Recognized as a top underwriter in both production volume and quality assurance -Earned quality assurance percentage of 99% accuracy -Examined overall loan documentation to ensure accuracy, completeness, and fraud prevention by consistently adhering to compliance regulations during the underwriting process -Familiar with Fannie Mae and Freddie Mac guidelines in addition to standard concepts, practices, and procedures of underwriting Conventional Mortgages -Assisted in training of underwriting staff to meet Agency and Company guidelines -Decision HARP/Conventional mortgage applications within policy parameter Show less -Underwrote Agency, Non-Agency, and HARP mortgage applications under $417,000 -Recognized as a top underwriter in both production volume and quality assurance -Earned quality assurance percentage of 99% accuracy -Examined overall loan documentation to ensure accuracy, completeness, and fraud prevention by consistently adhering to compliance regulations during the underwriting process -Familiar with Fannie Mae and Freddie Mac guidelines in addition to standard concepts, practices… Show more -Underwrote Agency, Non-Agency, and HARP mortgage applications under $417,000 -Recognized as a top underwriter in both production volume and quality assurance -Earned quality assurance percentage of 99% accuracy -Examined overall loan documentation to ensure accuracy, completeness, and fraud prevention by consistently adhering to compliance regulations during the underwriting process -Familiar with Fannie Mae and Freddie Mac guidelines in addition to standard concepts, practices, and procedures of underwriting Conventional Mortgages -Assisted in training of underwriting staff to meet Agency and Company guidelines -Decision HARP/Conventional mortgage applications within policy parameter Show less



HSBC

• United Kingdom
• Financial Services
• 700 & Above Employee

• Assistant Branch Manager

  • Aug 2007 - Nov 2008

  -Developed ad hoc analysis for existing and prospective clients' financial statements including Loan-to-Value and Debt-to-Income analysis -Budgeted and forecasted Branch sales and staff production to ensure accurate profit planning -Analyzed income documentation, credit analysis, appraisals, and title reports -Developed ad hoc analysis for existing and prospective clients' financial statements including Loan-to-Value and Debt-to-Income analysis -Budgeted and forecasted Branch sales and staff production to ensure accurate profit planning -Analyzed income documentation, credit analysis, appraisals, and title reports



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Operational Risk Analyst

  • Aug 2005 - Feb 2007

  -Analyzed risk of current Business Continuity Plan structure for Compliance and Risk Division -Developed streamlined Business Continuity Plan to minimize risk and maximize efficiency -Performed Business Impact Analysis and Risk Assessments on various departments and developed business plans for Senior Management -Conducted bi-monthly training meetings with team members and Senior Management -Exercised Business Continuity Plan to confirm compliance within accepted risk… Show more -Analyzed risk of current Business Continuity Plan structure for Compliance and Risk Division -Developed streamlined Business Continuity Plan to minimize risk and maximize efficiency -Performed Business Impact Analysis and Risk Assessments on various departments and developed business plans for Senior Management -Conducted bi-monthly training meetings with team members and Senior Management -Exercised Business Continuity Plan to confirm compliance within accepted risk levels -Verified accuracy of Risk Reduction Plan -Continued maintenance, verification, and improvement of risk reduction process Show less -Analyzed risk of current Business Continuity Plan structure for Compliance and Risk Division -Developed streamlined Business Continuity Plan to minimize risk and maximize efficiency -Performed Business Impact Analysis and Risk Assessments on various departments and developed business plans for Senior Management -Conducted bi-monthly training meetings with team members and Senior Management -Exercised Business Continuity Plan to confirm compliance within accepted risk… Show more -Analyzed risk of current Business Continuity Plan structure for Compliance and Risk Division -Developed streamlined Business Continuity Plan to minimize risk and maximize efficiency -Performed Business Impact Analysis and Risk Assessments on various departments and developed business plans for Senior Management -Conducted bi-monthly training meetings with team members and Senior Management -Exercised Business Continuity Plan to confirm compliance within accepted risk levels -Verified accuracy of Risk Reduction Plan -Continued maintenance, verification, and improvement of risk reduction process Show less


Wells Fargo Financial Acceptance
• Branch Manager

  • Dec 1999 - Aug 2005

Bank One Home Loan Services
• Senior Mortgage Underwriter

  • Jan 1999 - Nov 1999

Wells Fargo Financial
• Branch Manager

  • Jan 1993 - Jan 1999